Personally, my life would not be all that much different, music would have likely evolved along the course that it did as there were a number of songwriters of equal caliber, like Ray Davies, Pete Townsend, and Jagger/Richards. Sure, one could argue that those songwriters would not have evolved if not for The Beatles, but who can be sure.
However, I do think The Monkees would never have formed, so sadly, the only direct impact outside of not having the Beatles' great music is the absence of The Monkees.....LOL.
Not to be a discussion nazi, but shouldn't this thread be in the Beatles forum?